Simple Business Loans

Working capital assists in a business cash flow and is the exact type of leverage they need for their day-to-day operations. They can use working capital for debt consolidation, to purchase inventory, payroll, etc. Leveraging with financing almost always makes sense over using your own business funds.

Merchant cash advance is a quick, easy way to get a business cash advance with no need for collateral, even if you have bad credit

Merchant cash advances are a viable alternative for many businesses because they provide needed capital that may not be available through traditional channels. Cash advances are short-term loans that do not require a lengthy application or funding process.

Small businesses can find themselves in a financial pickle from time to time. It’s normal, and it’s just part and parcel of running a business. Under such circumstances, it really helps to have access to short-term funds to help cover every-day operational costs, such as:

• Filling inventory to grow the business
• Paying off debt
• Boosting a marketing campaign
• Capitalizing on opportunities
• Covering expenses during slower months

Equipment financing is any method of extending capital to businesses for the purpose of acquiring equipment. Financing methods include equipment leasing, SBA and other government loans, as well as sale-leaseback wherein the collateralized existing equipment to raise cash for additional purchases.
Economic times are challenging many businesses today, and the current economic environment poses even greater difficulties for entrepreneurial startups and small businesses that are struggling to get established, grow or just stay in business.

Equipment Leasing is to obtain the use of machinery, vehicles or other equipment on a rental basis. This avoids the need to invest capital in equipment. Ownership rests in the hands of the financial institution or leasing company, while the business has the actual use of it. According to the Equipment Leasing Association of America, approximately 80 percent of U.S. companies lease some or all of their equipment, and there are some thousands of equipment-leasing firms nationwide catering to that demand.

Leasing advantages include: making lower monthly payments than you’d have with a loan, getting a fixed financing rate instead of a floating rate, benefiting from tax advantages, conserving working capital and avoiding cash-devouring down payments, and gaining immediate access to the most up-to-date business tools. The equipment also shows up on your income statement as a lease expense rather than a purchase. If you purchase it, your balance sheet becomes less liquid.

An agreement between a bank and a company or an individual to provide a certain amount in loans on demand from the borrower. The borrower is under no obligation to actually take out a loan at any particular time, but may take part of the funds at any time over a period of several years. This agreement is fairly common in situations in which a business must make payroll but does not always have the operating income to do so, especially when its operating income is seasonal or otherwise varies from month to month. It is also called open-end credit or a revolving line of credit.